Citizens Bank of Kentucky, National Association in Henderson, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 1994

  • Citizens Bank of Kentucky, National Association in Henderson, Kentucky (KY)
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Citizens Bank of Kentucky, National Association - Overview

  • General
  • FDIC Certificate #: 2749
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens Bank of Kentucky (#10139)
    Federal Reserve ID: 616643
    Date Established: September 06, 1933
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    FDIC's unique #: 1787
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 30, 1994
    Last Structure Change Process Date: October 27, 1994
    Last Data Update: October 27, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 208-210 North Main Street, Henderson, KY 42420
    County: Henderson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Evansville-Henderson, IN-KY (#2440)
    Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
    CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
  • Financial Summary
  • Total assets: $117.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $69Total assets
  • $106,831Cash and due from depository institutions
  • $3,423Interest-bearing balances
  • $500Securities
  • $39,471Federal funds sold & reverse repurchase agreements
  • $2,200Net loans & leases
  • $55,633Loan loss allowance
  • $1,032Trading account assets
  • $0Bank premises and fixed assets
  • $1,614Other real estate owned
  • $47Goodwill and other intangibles
  • $1,072Life insurance assets
  • $3,371All other assets
  • $0Total liabilities and capital
  • $106,831Total liabilities
  • $94,984Total deposits
  • $93,722Interest-bearing deposits
  • $76,008Deposits held in domestic offices
  • 93722.00%% insured (estimated)
  • $80Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $872Subordinated debt
  • $0All other liabilities
  • $390Total equity capital
  • $390Total bank equity capital
  • $11,847Perpetual preferred stock
  • $0Common stock
  • $305Surplus
  • $6,018Undivided profits
  • Memoranda
  • $5,524Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $465Income earned, not collected on loans
  • $429Earning assets
  • $97,804Long-term assets (5+ years)
  • $28,262Average Assets, year-to-date
  • $102,492Average Assets, quarterly
  • $105,330Volatile liabilities
  • $16,668Insider loans
  • $1,497FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,088Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,434Total risk weighted assets
  • $52,691Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,322Total interest expense
  • $2,492Net interest income
  • $3,830Provision for loan and lease losses
  • $16Total noninterest income
  • $1,335Fiduciary activities
  • $160Service charges on deposit accounts
  • $465Trading account gains & fees
  • $0Additional noninterest income
  • $710Total noninterest expense
  • $4,231Salaries and employee benefits
  • $2,034Premises and equipment expense
  • $497Additional noninterest expense
  • $1,700Pre-tax net operating income
  • $918Securities gains (losses)
  • $157Applicable income taxes
  • $381Income before extraordinary items
  • $694Extraordinary gains - net
  • $123Net income attributable to bank
  • $817Net charge-offs
  • $42Cash dividends
  • $615Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.77%Cost of funding earning assets
  • 2.67%Net interest margin
  • 4.10%Noninterest income to earning assets
  • 1.43%Noninterest expense to earning assets
  • 4.53%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 1.17%Return on equity (ROE)
  • 7.71%Retained earnings to average equity (YTD only)
  • 1.91%Net charge-offs to loans
  • 0.09%Credit loss provision to net charge-offs
  • 38.10%Efficiency ratio
  • 79,148Assets per employee
  • 1.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.28%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 221.94%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 59.36%Net loans and leases to core deposits
  • 72.20%Equity capital to assets
  • 11.09%Core capital (leverage) ratio
  • 7.97%Tier 1 risk-based capital ratio
  • 16.01%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $102,492Average earning assets
  • $10,603Average equity
  • $93,350Average loans

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